Portal:Housing

The House and Housing portal Common types of secondary dwelling units Housing refers to the usage and possibly construction of shelter as living spaces, individually or collectively. Housing is a basic human need and a human right, playing a critical role in shaping the quality of life for individuals, families, and communities, As such it is the main issue of housing organization and policy. (Full article...) Selected article - Mortgage Loan. Total Payment (3 Fixed Interest Rates & 2 Loan Term) = Loan Principal + Expenses (Taxes & fees) + Total interest to be paid. The final cost will be exactly the same: * when the interest rate is 2.5% and the term is 30 years than when the interest rate is 5% and the term is 15 years * when the interest rate is 5% and the term is 30 years than when the interest rate is 10% and the term is 15 years A mortgage loan or simply mortgage (/ˈmɔːrɡɪdʒ/), in civil law jurisdictions known also as a hypothec loan, is a loan used either by purchasers of real property to raise funds to buy real estate, or by existing property owners to raise funds for any purpose while putting a lien on the property being mortgaged. The loan is "secured" on the borrower's property through a process known as mortgage origination. This means that a legal mechanism is put into place which allows the lender to take possession and sell the secured property ("foreclosure" or "repossession") to pay off the loan in the event the borrower defaults on the loan or otherwise fails to abide by its terms. The word mortgage is derived from a Law French term used in Britain in the Middle Ages meaning "death pledge" and refers to the pledge ending (dying) when either the obligation is fulfilled or the property is taken through foreclosure. A mortgage can also be described as "a borrower giving consideration in the form of a collateral for a benefit (loan)". Mortgage borrowers can be individuals mortgaging their home or they can be businesses mortgaging commercial property (for example, their own business premises, residential property let to tenants, or an investment portfolio). The lender will typically be a financial institution, such as a bank, credit union or building society, depending on the country concerned, and the loan arrangements can be made either directly or indirectly through intermediaries. Features of mortgage loans such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan, and other characteristics can vary considerably. The lender's rights over the secured property take priority over the borrower's other creditors, which means that if the borrower becomes bankrupt or insolvent, the other creditors will only be repaid the debts owed to them from a sale of the secured property if the mortgage lender is repaid in full first. (Full article...) List of selected articles Mansion Mobile home Bay-and-gable Octagon house Modular building Castle Back-to-back house Octavia Hill Dormitory Waddesdon Manor Subprime mortgage crisis Osborne House Château United States housing bubble Mar del Plata style Upper Lusatian house Energy efficiency in British housing Laurence Llewelyn-Bowen Affordable housing Apartment Condominium Housing cooperative Development of non-profit housing in the United States Public housing Public housing estates in Tseung Kwan O Log cabin Yurt Tree house Housing estate Housing discrimination Subsidized housing in the United States Manufactured housing Housing in Japan Trailer trash United States housing bubble Public housing in Australia Terraced house Farmhouse Florida Tropical House Cypress Log Cabin Armco-Ferro House House of Tomorrow (Indiana) Wieboldt-Rostone House Single room occupancy Man cave Boarding house Microapartment Hut Log house Affordable housing in Canada Great house Home automation Homelessness Twin Palms San Francisco housing shortage Home economics Helen Stuart Campbell Holden House Poorhouse Almshouse Pit-house Cliff dwelling Bungalow Terraced houses in the United Kingdom English country house Slum Favela Shanty town Housing in the United Kingdom Eviction Secondary suite Hostel Rooming house Tong lau Shophouse Palace Villa La Pausa Flophouse Did you know (auto generated) ... that the building housing the city council of Palembang, Indonesia, was claimed to be the "grandest" of its kind? ... that British architect Chris Wilkinson redeveloped Victorian-era industrial gasholders in Kings Cross, London into modern residential apartments? ... that although the Wilbraham was built as an apartment building for bachelors, more women than men lived there by 1929? ... that when UCLA was founded in 1919, the university's students provided numerous services, including athletics, housing, and parking? ... that Compaq placed the built-in trackball of the LTE Lite on its display housing? ... that the Twin Parks housing project in New York City, the site of a January 2022 fire that killed seventeen people, won architectural awards after it was constructed in the early 1970s? ... that a conversion plan led to the "Battle of the Century"? ... that the neighborhood of Colonia Federal was built by employees of the Mexican Secretariat of the Interior to create exclusive housing for civil servants? Related Portals Selected image - A wood-frame American Foursquare house in Minnesota with dormer windows on each side and a large front porch A ranch-style house in Salinas, California, U.S. Eleazer Arnold House, 1691, Lincoln, Rhode Island, an example of a Stone ender style of Rhode Island architecture that developed in the 17th century where one wall in a house is made up of a large stone chimney. Seattle box is a regional style of residential architecture that was popular in Seattle, Washington and elsewhere in the Pacific Northwest in the early 1900s. The Josiah Day House in West Springfield, Massachusetts is an example of a Saltbox-style home Renaissance townhouses in Gdańsk, Poland The Cube houses in Rotterdam, viewed from Blaak metro station An A-Frame house in Duluth, Minnesota Aerial view of tract housing developments near Markham, Ontario A Mandarin's House in Peking, China with Mr. Yang and family members on the balcony, circa 1860 Cottage flats are a style of housing common in Scotland, where there are single floor dwellings at ground level, and similar dwellings on the floor above. More Did you know - WikiProjects WikiProject Home Living WikiProject Architecture General images - The following are images from various housing-related articles on Wikipedia. Brick ranch-style house (from List of house types) Mobile home (from List of house types) A wooden house in Tartu, Estonia (from List of house types) reconstructed Viking longhouse (from List of house types) Southern I-House style home (from List of house types) Multi-storied attached adobe houses at Taos Pueblo (from List of house types) Vao tower house in Estonia, built in 15th century (from List of house types) Post frame Barndominium with standing seam metal roof. Large garage on the front side and living space on the back end. (from List of house types) Split-level house (from List of house types) Travel trailer or camper (from List of house types) A-frame gable-style house, Portugal (from List of house types) Related articles Dwelling Home House List of house styles List of house types List of human habitation forms Lodging Residence Categories Houses Select [►] to view subcategories Houses Houses by city Houses by continent Houses by country Houses by year of completion Clergy houses Cottage orné Fictional houses Fortified houses Garages (residential) Gatehouses (architecture) Household hardware Historic houses House styles House types Imperial residences Manor houses Mock castles Octagon houses Official residences Pair-houses Palaces Prow houses Relocated houses Royal residences Ruined houses Safe houses Settlement houses Stone houses Villas Wooden houses House types Select [►] to view subcategories House types House types in Bangladesh House types in the United Kingdom A-frame houses and buildings Beach houses Boarding houses Castles Cave dwellings Central-passage houses Cliff dwellings Condominium Cottages Country houses Crescents (architecture) Dogtrot architecture Dower houses Dugouts Duplex buildings Farmhouses Fortified houses Hall houses Reportedly haunted houses Houseboats Houses with moats I-houses Low-energy building Manor houses Mansions Market houses Traditional Native American dwellings Prefabricated houses Public housing Ranch house architecture Recreational vehicles Rumah adat Sod houses Stilt houses Triple-decker apartment houses Villas House styles Select [►] to view subcategories House styles American architectural styles American Craftsman architecture American Foursquare architecture Antebellum architecture Art Nouveau houses Bungalow architecture Carpenter Gothic houses Central-passage houses Chinese architectural styles Dogtrot architecture English-Norman cottages Folk Victorian architecture Greek Revival houses Haitian architectural styles Houses with catslide gables Landhuizen Log houses Manor houses Palaces by architectural style Queen Anne architecture in the United States Ranch house architecture Saltbox architecture Shingle Style architecture Shingle Style houses Stone enders Territorial Revival architecture Townhouses Triple-decker apartment houses Tudor Revival architecture Victorian architectural styles Villas Wikimedia The following Wikimedia Foundation sister projects provide more on this subject: Commons Free media repository Wikibooks Free textbooks and manuals Wikidata Free knowledge base Wikinews Free-content news Wikiquote Collection of quotations Wikisource Free-content library Wikiversity Free learning tools Wikivoyage Free travel guide Wiktionary Dictionary and thesaurus Tasks Here are some tasks awaiting attention: Stubs : Expand short articles about homes and housing Verify : Provide sources for unreferenced and poorly-sourced articles about homes and housing • Dwelling • Lodging • Residence Other : Improve this portal; feel free to add suggestions at the talk page • Join the Home Living WikiProject • Translate home and housing articles from another language to English –When a task is completed, please remove it from the list. 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